As a major tax refund lender seeks to change charters, the Office of Thrift Supervision needs to hold a hearing to give the public a chance to tell its side of the story about high cost refund anticipation lending.

The five key issues that must be addressed to reduce the neighborhood impact of lender-owned properties as investors shun Chicago region foreclosure auctions.

Loans at as much as 2,500 percent will still be business as usual for nearly every major financial institution, with most bank customers automatically, and often unknowingly, enrolled.